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Health Insurance for the Mentally Ill

The Affordable Care Act, also known knows as "ObamaCare" makes healthcare affordable to millions of Americans who might otherwise not be able to afford it. In the past, insurance companies could deny patients coverage for preexisting conditions. While many us think of chronic physical conditions such as high blood pressure, diabetes and AIDS as obvious examples of preexisting conditions, mental illness also falls under this category. This is one of the risks you take when you use insurance to see a licensed mental health counselor - a mental health diagnosis becomes a matter of record with insurance companies. Historically, this meant that patients were often denied or that their rates rose astronomically.